Personal

We have the products and services you need to meet your financial needs. Take a look at what we offer:

Checking

NOW Account

This is an interest-bearing checking account that gives you unlimited check-writing privileges and no service charge when you maintain the minimum daily balance of $250. When your balance falls below $250 any day of the statement cycle, the monthly service charge is $10. A $250 deposit is required to open this account. There is no minimum balance requirement or service charge if 55 years of age or older.

Personal Advantage

Does your employer offer direct deposit? If so, we have the perfect account for you. With direct deposit, there is no minimum balance requirement and no monthly service charge on this account. Your first order of 25 checks is free. The minimum opening deposit is $50. If no Direct Deposit is posted within 30 days, a maintenance fee of $10 will be charged.

Student Advantage

Students need every possible advantage! We now have just the account for the college student with no minimum balance requirement, no monthly fees, no foreign ATM fees on debit card transactions, and free online banking, with the option to sign-up for text message and email alerts! We require $50 to open the account and a student ID. The first 25 checks are free. The student can either receive an end-of-month statement or sign-up to receive an e-statement through online banking. This account is for students attending college full-time, and the bank should be informed of any student status changes. Please see a customer service representative for details.

Patriot Checking

Patriot Checking is our way to give back to those that protect and service. Designed specifically for Veterans, Active Military, Police Officers, Fire Fighters & EMT.

$50 to open plus money match of $50.00

Opening deposit match will result in 1099 for matched amount

No Minimum Balance

No Foreign ATM charge

No Fee on Official Checks

First 25 checks free

Non-Interest Bearing Account

.25% Interest Rate discount on consumer loans

Teen Advantage

Opening Deposit $50.00

No Minimum Balanced Required

No Foreign ATM charges

Non-Interesting Bearing Account

Debit card limit daily of $200.00

No checks on account

For ages 16-18, with parent/guardian on account;

Account switched to Personal Advantage at the age of 18

Free online banking and Phone App

Savings & Investments

Health Savings Account

This is a tax-exempt custodial account, established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. For 2007 and forward, the maximum annual HSA contribution is based on the statutory limit for your type of coverage. HSAs not only allow you to make contributions and earn interest tax-free, but the distributions are also tax-free so long as they are used for qualified medical expenses. If you’re eligible, it’s to your benefit to have one. Ours is a tiered checking account with unlimited transactions. You will receive a monthly statement, and there is no service fee. We will issue a debit card and give you the first 25 checks free. Contact us today to begin saving the smart way!

Statement Savings

This account earns a rate of interest at the prevailing rate (subject to change at any time). Interest will be compounded and credited to your account quarterly. Statements will be mailed quarterly to help ensure proper balancing of your account. You must deposit a minimum of $50 to open this account and maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Transfers from this account to another or third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties. There is no monthly maintenance fee and no fee for withdrawals. If the savings balance is under $10 at the end of the quarter, there will be a $2 maintenance service fee. Instant Issue ATM card available.

Christmas Club

By saving regularly in this account, you’ll know that the money for next year’s presents, festivities, or holiday travel will be there. Small amounts saved regularly can add up to a sizeable sum. Just choose the amount you wish to save each week, and watch it grow in time for the holidays. Visit any branch for more information.

Time Deposits

Our fixed-rate Time Deposits enable you to take advantage of higher interest rates based on market trends. With a minimum deposit of $1,000, we can structure one from three to 60 months to fit your individual needs. We offer competitive rates with interest compounded and credited monthly. You have a choice of receiving your interest by check, depositing it into an existing account here, or adding it to this one. Please call for current interest rates.

Individual Retirement Accounts

An IRA is a special savings plan that lets you put aside money you earned today to be used later for your retirement. We offer Traditional with tax-deferred and Roth with tax-free earnings. Contact us for more details!

Insured Money Market Gold

If you do not anticipate writing a lot of checks each month, this account is designed for you. This tiered account earns a competitive rate of interest daily on your collected balance that is compounded and credited to your account each statement cycle. A minimum balance of $2,500 is required to open this account. If the balance falls below $250 on any day of the statement cycle, the account maintenance fee is $10.Transaction limitations: Transfers from a Insured Money Market Gold account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per month.Fees: A money market charge fee of $7.50 will be charged each cycle if more than six items clear during each monthly statement cycle.

Other Services

Internet Banking

Do your banking and pay your bills online anytime it’s convenient for you! Online banking is safe and secure as all transactions are encrypted and password-protected. First On-Line offers the following:

24-Hour Telephone Banking

Teller at a Touch provides 24-hour customer service at your fingertips! You can now access your account information any time of the day or night. All of your account information is only a phone call away with our automated account-information service.

Using a touch-tone phone, call 866-867-7500. Once connected, you’ll be guided through the steps required to obtain all of your account info. You can get accurate balance info on all of your accounts or transfer funds in seconds. It also allows you to find out which checks have cleared, verify when deposits were made, get interest information, and much more. No sign-up is necessary.

To get info on any of your accounts, you need the 10-digit account number for which you are requesting info. If you have any questions regarding your account numbers, please contact us. To guarantee that no one can obtain your personal account info, you will be asked to enter your pass-code—the last four digits of the Social Security number of the primary account holder.

Debit Card

For a checkbook that fits your lifestyle, as well as your wallet, apply for an FFCB Debit Card. It gives you a faster, more convenient way to buy the products and services you need. This card can be used anywhere MASTERCARD is accepted, as well as at the ATM. This card has no annual fee and no usage fee if used at an FFCB ATM; we’ll charge $2.00 for use at a foreign ATM. Other usage fees may apply. Debit cards are limited to $500/day for a cash withdrawal transaction and $1,000/day on a point-of-sale purchase. Debit cards are subject to approval.

Night Depository

For those busy customers who are unable to make it to the bank during normal business hours, we have a night depository for your convenience. Currently, the locations equipped with such are the Main Office, East Branch, New Washington Branch, and Marysville Banking Center.